{"id":22997822,"date":"2026-06-12T11:36:54","date_gmt":"2026-06-12T06:06:54","guid":{"rendered":"https:\/\/idb.gov.lk\/?page_id=22997822"},"modified":"2026-07-10T13:23:15","modified_gmt":"2026-07-10T07:53:15","slug":"loan-schemes","status":"publish","type":"page","link":"https:\/\/idb.gov.lk\/si\/loan-schemes\/","title":{"rendered":"\u0dab\u0dba \u0dba\u0ddd\u0da2\u0db1\u0dcf \u0d9a\u0dca\u200d\u0dbb\u0db8"},"content":{"rendered":"

[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”section” _builder_version=”4.27.4″ background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_direction=”228deg” background_color_gradient_stops=”rgba(0,0,0,0.27) 0%|#000429 100%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/idb.gov.lk\/wp-content\/uploads\/2026\/06\/loan.jpg” custom_margin=”-170px||||false|false” custom_margin_tablet=”-170px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”150px||50px||false|false” custom_padding_tablet=”150px||100px||false|false” custom_padding_phone=”0px||0px||false|false” background_last_edited=”on|phone” background_size_phone=”cover” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.25.1″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_text_align=”left” header_text_color=”#FFFFFF” header_font_size=”60px” custom_margin=”80px||20px||false|false” header_font_size_tablet=”60px” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Loan Schemes<\/h1>\n

[\/et_pb_text][dipi_breadcrumbs bc_custom_home=”on” bc_home_text=”Home” bc_home_url=”https:\/\/idb.gov.lk\/” bc_home_icon=”on” bc_separator_icon=”9||divi||400″ bc_separator_color=”#FFFFFF” bc_active_item_color=”RGBA(255,255,255,0)” _builder_version=”4.27.4″ _module_preset=”default” items_text_color=”#FFFFFF” active_text_color=”#f2c222″ global_colors_info=”{}”][\/dipi_breadcrumbs][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.25.1″ _module_preset=”default” background_enable_image=”off” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ disabled_on=”off|off|off” _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/idb.gov.lk\/wp-content\/uploads\/2026\/07\/ncgil.jpeg” title_text=”ncgil” force_fullwidth=”on” _builder_version=”4.27.4″ _module_preset=”default” border_radii=”off|50px||50px|” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/idb.gov.lk\/wp-content\/uploads\/2026\/07\/ncgil-guarantee.jpg” title_text=”ncgil guarantee” force_fullwidth=”on” _builder_version=”4.27.4″ _module_preset=”default” border_radii=”off|50px||50px|” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb icon_placement=”left” image_icon_width=”24px” content_max_width=”100%” _builder_version=”4.27.4″ _module_preset=”default” body_font=”||||||||” body_text_color=”#243e7a” body_font_size=”17px” body_line_height=”1.6em” min_height=”225.4px” custom_margin=”||28px||false|false” global_colors_info=”{}”]<\/p>\n

Individual Guarantee Scheme
Financial Support Sri Lankan MSMEs by providing partial credit guarantees
<\/span><\/strong><\/span><\/p>\n

National Credit Guarantee Institution Limited (NCGIL) support Sri Lankan MSMEs by providing partial credit guarantees to the participating shareholder financial institutions (Banks and FIs) to encourage uncollateralized lending based on viability and cash flows of Sri Lankan businesses.<\/p>\n

 <\/p>\n

\u00a0<\/strong><\/span><\/p>\n

[\/et_pb_blurb][et_pb_blurb icon_placement=”left” image_icon_width=”24px” content_max_width=”100%” _builder_version=”4.27.4″ _module_preset=”default” body_font=”||||||||” body_text_color=”#243e7a” body_font_size=”17px” body_line_height=”1.6em” custom_margin=”-90px||10px||false|false” global_colors_info=”{}”]<\/p>\n

NCGIL Guarantee Structure<\/strong><\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
Criteria<\/strong><\/td>\nDetails<\/strong><\/td>\n<\/tr>\n<\/thead>\n
Eligible Business Category<\/td>\nMSMEs engaged in any business sector in agriculture \/ Industry \/ Service of the economy.<\/td>\n<\/tr>\n
Type of guarantee provided by NCGIL<\/td>\nGuarantees to the SFIs to partly secure the term loans granted to individual MSMEs.<\/td>\n<\/tr>\n
Extent of the Guarantee<\/td>\n67% of the loan amount approved by the SFI (Standard Guarantee Scheme)
80% of the loan amount approved by the SFI (Liya Shakthi Guarantee Scheme) – Women Owned Business<\/td>\n<\/tr>\n
Guarantee fee<\/td>\n1% to 2% per annum, calculated on the guaranteed amount, based on the risk of relevant business. Fees to be paid by MSME. Recovered annually on the outstanding (Guaranteed amount)<\/td>\n<\/tr>\n
Types of loans eligible for the guarantee cover<\/td>\nOnly term loans (LKR) to fund CAPEX and Permanent Working Capital<\/td>\n<\/tr>\n
Loan Amount<\/td>\nMinimum Loan Amount LKR.500,000\/-
Maximum Loan Amount LKR. 25 Million<\/td>\n<\/tr>\n
Tenor of the loans<\/td>\nCapex Loan: Maximum Period: 10 Years, Minimum Period: 1 Year
Permanent WC Loan: Maximum Period: 3 Years, Minimum Period: 1 Year<\/td>\n<\/tr>\n
Priority Sectors<\/td>\nWoman-Owned \/ Managed Business, Environmentally friendly business, Tourism industry, Agriculture industry, Information Technology (IT), Export industry<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/strong><\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=”on” gutter_width=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb icon_placement=”left” image_icon_width=”24px” content_max_width=”100%” _builder_version=”4.27.4″ _module_preset=”default” body_font=”||||||||” body_text_color=”#243e7a” body_font_size=”17px” body_line_height=”1.6em” custom_margin=”||10px|20px|false|false” custom_padding=”|||0px||” global_colors_info=”{%22gcid-ea218e66-7b0d-4a73-8a18-3f11e872ebf3%22:%91%22icon_color%22%93}”][\/et_pb_blurb][et_pb_blurb icon_placement=”left” image_icon_width=”24px” content_max_width=”100%” _builder_version=”4.27.4″ _module_preset=”default” body_font=”||||||||” body_text_color=”#243e7a” body_font_size=”17px” body_line_height=”1.6em” custom_margin=”||10px|20px|false|false” global_colors_info=”{%22gcid-ea218e66-7b0d-4a73-8a18-3f11e872ebf3%22:%91%22icon_color%22%93}”]<\/p>\n

Eligible MSMEs could approach any of the thirteen shareholder financial institutions (SFI – Bank\/FI) under the program, for their funding needs and the SFI will evaluate such proposals to ascertain the overall viability as per their lending guidelines. SFI then approve the loan if the proposal meets all the requirements and thereafter will apply for the guarantee cover from NCGIL. NCGIL will verify the eligibility of the loan approved by the SFI and agree to issue the guarantee cover, if in order, subject to the terms and conditions of the scheme. The NCGIL will charge an annual premium calculated on the guaranteed amount of the loan. The premium charged will range from 1% to 2% PA based on the risk involved in each facility and to be borne by the MSME. With the approlval for the credit guarentee cover by the NGGIL, SFI will arrange to disburse the loan to the MSME.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][difl_imagehover image=”https:\/\/idb.gov.lk\/wp-content\/uploads\/2026\/07\/boc.jpg” title_text=”boc” _builder_version=”4.27.4″ _module_preset=”default” link_option_url=”https:\/\/www.boc.lk\/” link_option_url_new_window=”on” global_colors_info=”{}”][\/difl_imagehover][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][difl_imagehover image=”https:\/\/idb.gov.lk\/wp-content\/uploads\/2026\/07\/peoples.jpg” title_text=”peoples” _builder_version=”4.27.4″ _module_preset=”default” link_option_url=”https:\/\/www.peoplesbank.lk\/” link_option_url_new_window=”on” global_colors_info=”{}”][\/difl_imagehover][\/et_pb_column][et_pb_column type=”1_5″ 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global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_text_align=”center” header_text_color=”#060815″ header_font_size=”45px” header_2_text_align=”left” header_2_text_color=”gcid-ea218e66-7b0d-4a73-8a18-3f11e872ebf3″ header_2_font_size=”35px” header_2_line_height=”1.2em” custom_margin=”||3px||false|false” hover_enabled=”0″ header_2_font_size_tablet=”45px” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-ea218e66-7b0d-4a73-8a18-3f11e872ebf3%22:%91%22header_2_text_color%22%93}” sticky_enabled=”0″]<\/p>\n

Contact Your Nearest IDB District Office<\/span>
<\/strong><\/span><\/p>\n

\n

 <\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font=”||||||||” text_text_color=”gcid-ea218e66-7b0d-4a73-8a18-3f11e872ebf3″ text_font_size=”18px” text_line_height=”1.8em” min_height=”77.8px” custom_margin=”-39px||||false|false” hover_enabled=”0″ global_colors_info=”{%22gcid-ea218e66-7b0d-4a73-8a18-3f11e872ebf3%22:%91%22text_text_color%22%93}” sticky_enabled=”0″]<\/p>\n

For further information on the Loan Schemes, eligibility requirements, or the application process, please contact your nearest IDB District Office.<\/a><\/p>\n

Our officers are ready to assist you in accessing financial support to grow and strengthen your industrial enterprise.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” disabled_on=”on|on|on” disabled=”on”]<\/p>\n

Contact<\/strong><\/span><\/p>\n

\n

National Credit Guarantee Institution Limited<\/strong><\/span>
479, HNB Tower, T B Jaya Mawatha,<\/strong><\/span>
Colombo 10.<\/strong><\/span>
Phone: +94 705 777 805<\/strong><\/span>
Email: info@ncgil.lk<\/a><\/strong><\/span>
Web: www.ncgil.lk<\/a><\/strong><\/span><\/p>\n

[\/et_pb_text][et_pb_divider divider_weight=”5px” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_direction=”168deg” background_color_gradient_stops=”rgba(255,255,255,0.67) 0%|#f7f3a8 88%” background_enable_image=”off” global_colors_info=”{}” disabled_on=”on|on|on” disabled=”on”][et_pb_row column_structure=”2_5,3_5″ disabled_on=”off|off|off” _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/idb.gov.lk\/wp-content\/uploads\/2026\/06\/loan-1.jpg” title_text=”loan” force_fullwidth=”on” _builder_version=”4.27.4″ _module_preset=”default” border_radii=”off|50px||50px|” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb icon_placement=”left” image_icon_width=”24px” content_max_width=”100%” _builder_version=”4.27.4″ _module_preset=”default” body_font=”||||||||” body_text_color=”#243e7a” body_font_size=”17px” body_line_height=”1.6em” custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

IDB \u201cIndustry\u201d Loan Scheme
Financial Support for Small and Medium Scale Industries
<\/span><\/strong><\/span><\/p>\n

Strengthening Sri Lanka\u2019s Industrial Sector Through Accessible Finance<\/strong><\/em><\/p>\n

The Industrial Development Board (IDB) continues to support the growth and sustainability of Sri Lanka\u2019s industrial sector through the \u201cIndustry\u201d Loan Scheme<\/strong>, introduced in 2023. This initiative is designed to provide financial assistance to small and medium-scale industrial enterprises, helping them expand operations, improve productivity, and invest in business development.<\/p>\n

Implemented in partnership with the Regional Development Bank (RDB)<\/strong>, the scheme offers affordable financing to eligible industrial entrepreneurs across the country.<\/p>\n

\u00a0<\/strong><\/span><\/p>\n

[\/et_pb_blurb][et_pb_blurb icon_placement=”left” image_icon_width=”24px” content_max_width=”100%” _builder_version=”4.27.4″ _module_preset=”default” body_font=”||||||||” body_text_color=”#243e7a” body_font_size=”17px” body_line_height=”1.6em” custom_margin=”||10px||false|false” global_colors_info=”{}”]<\/p>\n

Loan Scheme Details
<\/strong><\/span><\/p>\n\n\n\n\n\n\n\n\n
Description<\/strong><\/td>\nDetails<\/strong><\/td>\n<\/tr>\n<\/thead>\n
Maximum Loan Amount<\/td>\nRs. 500,000<\/td>\n<\/tr>\n
Repayment Period<\/td>\n3 Years<\/td>\n<\/tr>\n
Interest Rate<\/td>\n6% per annum<\/td>\n<\/tr>\n
Implementing Institution<\/td>\nRegional Development Bank (RDB)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/strong><\/span><\/p>\n

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Eligibility Requirements<\/strong><\/span><\/p>\n

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To qualify for the Industry Loan Scheme, applicants must meet the following criteria:<\/p>\n

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